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Terms of Service

Last updated: 1 January 2025

Please read these Terms of Service ("Terms") carefully before using mcnbinc.com (the "Site") operated by MCNB Inc ("we", "our", "us"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. Acceptance of Terms

By accessing or using the Site in any manner, including browsing, reading content, subscribing to our newsletter, or otherwise interacting with the Site, you agree to these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the Site.

2. Description of Service

MCNB Inc provides an online platform offering informational and educational content related to global financial markets, macroeconomics, and related topics. All content is for general informational and educational purposes only. The Site does not offer personalised investment advice, and nothing on the Site constitutes a recommendation to buy, sell, or hold any financial instrument.

3. No Financial Advice

The content published on mcnbinc.com — including articles, commentary, data tables, market summaries, and newsletter content — is for informational purposes only. It does not constitute financial advice, investment advice, trading advice, or any other form of professional advice. MCNB Inc is not a registered investment adviser, broker-dealer, or financial institution in any jurisdiction.

You should not make any investment decision based solely on information obtained from this Site. Always conduct your own due diligence and consult a qualified financial adviser before making investment decisions. Past market performance discussed on this Site is not indicative of future results.

4. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, images, data compilations, and software, is the property of MCNB Inc or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable licence to access and view the content on the Site for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from this Site without our prior written permission.

5. Permitted Use

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

  • Use the Site in any way that violates any applicable local, national, or international law or regulation.
  • Reproduce, duplicate, copy, or resell any part of the Site in contravention of these Terms.
  • Access or attempt to access any part of the Site or its related systems or networks that you are not authorised to access.
  • Use automated tools (including scrapers, bots, or crawlers) to access or collect content from the Site without our prior written consent.
  • Transmit any unsolicited or unauthorised advertising or promotional material.
  • Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site.

6. Data Accuracy and Disclaimers

Market data, economic statistics, and other figures presented on the Site are sourced from publicly available third-party sources and are believed to be reliable but are not independently verified. We make no representation or warranty as to the accuracy, completeness, or timeliness of any data. Data may be delayed and should not be relied upon for real-time trading decisions.

The Site may contain typographical errors or inaccuracies. We reserve the right to correct any errors and to change or update information at any time without notice.

7. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of those sites or resources, and we accept no responsibility for them or for any loss or damage that may arise from your use of them. Access to any third-party site is at your own risk.

8. Newsletter and Communications

If you subscribe to our newsletter, you agree to receive periodic emails from us containing market commentary, research articles, and other relevant content. You may unsubscribe at any time using the unsubscribe link provided in each email. We will process your data in accordance with our Privacy Policy.

9. Limitation of Liability

To the fullest extent permitted by applicable law, MCNB Inc and its directors, employees, partners, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, loss of data, loss of goodwill, or any other intangible losses, arising out of or in connection with your access to or use of (or inability to access or use) the Site or any content thereon.

In no event shall our total liability to you for all claims arising out of or related to these Terms or the Site exceed one hundred US dollars (US$100).

10. Disclaimer of Warranties

The Site is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

11. Indemnification

You agree to indemnify, defend, and hold harmless MCNB Inc and its affiliates, directors, officers, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Site.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Delaware, United States.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the "Last updated" date at the top of this page. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MCNB Inc regarding your use of the Site and supersede all prior agreements, understandings, and negotiations with respect to the subject matter hereof.

16. Contact Information

If you have any questions about these Terms, please contact us:

  • Email: legal@mcnbinc.com
  • Website: mcnbinc.com
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